Do you get cashback with Starling Bank?

Starling Bank does not offer a traditional cashback rewards programme on its current account. However, Starling has partnered with selected merchants through its Marketplace to offer cashback or discounts via third-party offers. Starling’s app-based model uses open banking integrations to connect customers with complementary financial products through its in-app marketplace.

What is the Starling Bank Marketplace?

The Starling Marketplace is an in-app hub that allows Starling customers to connect to a range of third-party financial services — including insurance, savings, investments, and pensions — directly from the Starling app. Partners have included PensionBee, insurance providers, and mortgage tools. Some marketplace partners offer exclusive rates or incentives for Starling customers.

Which UK banks offer the best cashback on spending?

Among UK current accounts, Chase Bank (launched in 2021) has offered 1% cashback on everyday debit card spending — one of the most competitive rates in the market. Santander’s Everyday account has historically offered cashback on certain household bills. Specialist cashback credit cards and platforms like TopCashback and Quidco offer broader cashback through online retailers.

Open Banking in Practice: Starling Bank is an FCA-authorised bank and one of the UK’s leading open banking practitioners — it was among the first challengers to fully embrace the CMA’s API standards. Its Marketplace model demonstrates how open banking can create a connected financial services experience beyond basic banking. Read our guide to open banking and challenger banks on openfuture.world.

FAQ

Is Starling Bank a safe bank to use in the UK?

Yes — Starling is a fully licensed UK bank, FCA-regulated, and deposits are protected up to £85,000 under the FSCS.

Does Starling Bank use open banking APIs?

Yes — Starling was an early adopter of open banking standards and makes its own APIs available to authorised third-party developers.

Are cashback websites like TopCashback and Quidco legitimate?

Yes — established UK cashback sites such as TopCashback and Quidco are legitimate and have been operating for over a decade.